We use 3 banks: NASA Federal Credit Union, Ally Bank, and now BB&T. I am using BB&T through my company. The customer service when you call is a nightmare. You get a LONG hold time, 10-15 minutes, you have to follow a zillion prompts, and then you get a customer service associate that is transfers me to another department, which ultimately lands me into an after hours voicemail that hangs up on you. I also went to 3 BB&T bank locations around 1pm on Saturday only to find out they close at noon on Saturday. I guess this is all typical bank stuff but I do not have any issues accessing customer service with NASA or ALLY. Therefore, I cannot recommend this bank to anyone. Still on phone, 4th time, with another customer service associate.
I have several accounts with this bank, including vehicle, home mortgage and investment loans, as well as checking and savings accounts. Everyone was extremely professional, courteous, and made me feel that they wanted my business. My previous bank (of 12 years) seemed like they wanted me to jump through hoops to get anything. So I switched to BB&T for everything and I have not been disappointed.
On infrequent occasions, I have written a check that will be for more than the amount that I have held in my account; most recently a check for $25.00. I will agree that this overdraft is my fault; however; BBT's fee response, to me, borders on gouging! If you have an overdraft of only $25.00, you will be charged an "overdraft fee"of $36.00 and a "returned check fee" of another $36.00. So, the $25.00 check along with the fees will cost you $97.00. With this type of fee penalties, no wonder that people have little sympathy for banks. No one likes to be gouged.
And another thought: even if you have exemplary credit, if you are a small business start up, do no expect to get a loan from BBT. Enough said. a word to the wise!